How ₹3,000 SIP Can Grow into ₹6 Crores | NIFTY50 MidCap150 SmallCap250 Plan
💡 Why This Plan Matters
Can you imagine turning ₹3,000 per month into ₹6.01 crores in 30 years?
It may sound magical, but it’s actually mathematics + discipline + time.
If you’re a student, working professional, or someone starting your financial journey — this Step-Up SIP plan can help you build real wealth with small monthly savings.
📊 Investment Structure (Breakdown)
You’ll invest ₹3,000 every month, divided smartly across three index categories 👇
| Fund Type | Investment % | Company Rank Range |
|---|---|---|
| NIFTY50 Index Fund | 50% | Top 1–50 companies |
| MidCap 150 Fund | 25% | Rank 51–250 |
| SmallCap 250 Fund | 25% | Rank 251–500 |
👉 So, your ₹3,000 monthly SIP will look like this:
- ₹1,500 → NIFTY50
- ₹750 → MidCap150
- ₹750 → SmallCap250
This gives you a balanced mix of stability + growth + high returns.
📈 What Is a Step-Up SIP?
A Step-Up SIP means increasing your SIP amount by a fixed percentage every year.
Here, we assume a 10% annual increase.
So:
- Year 1 → ₹3,000/month
- Year 2 → ₹3,300/month
- Year 3 → ₹3,630/month
…and so on.
This small yearly step boosts your total corpus significantly through compounding.
📆 Expected Results (Corpus Growth)
| Tenure | Total Corpus | Present Value (after 5% inflation) |
|---|---|---|
| 10 Years | ₹12.38 Lakhs | ₹7.60 Lakhs |
| 20 Years | ₹95.5 Lakhs | ₹35.99 Lakhs |
| 30 Years | ₹6.01 Crores | ₹1.39 Crores |
(Inflation assumed at 5% per year)
📘 Assumptions Used
| Asset Class | Expected CAGR (Annual Return) |
|---|---|
| NIFTY50 Index Fund | 13% |
| MidCap150 Fund | 16% |
| SmallCap250 Fund | 20% |
| Step-Up Rate | 10% annually |
🧮 How ₹6.01 Crores Is Achieved
If you invest ₹3,000 per month with a 10% yearly step-up and an average CAGR of ~15%,
the future value (FV) is calculated using this compounding formula:
FV = SIP × [(1 + r/n)ⁿ – 1] × (1 + r/n) ÷ (r/n)
After 30 years, your investment can grow to ₹6.01 Crores.
Adjusting for 5% annual inflation, the present value is approximately ₹1.39 Crores — still life-changing!
💵 Tax Implications
- Long-Term Capital Gains (LTCG) are taxed at 12.5%.
- No indexation benefit is available.
- Up to ₹1.25 lakhs of LTCG per year is tax-free.
📘 Source: Finance Act 2024, Income Tax Department (India).
💡 Why This Plan Works
- Diversification: Split across large, mid, and small caps for balanced risk.
- Step-Up Power: Increasing SIPs compound faster over time.
- Time Advantage: The longer you stay invested, the more magic compounding does.
- Low Starting Point: Even ₹100/day can change your financial future.
🧾 Tax Saving Option (Bonus Tip)
If you invest through ELSS Mutual Funds, you can claim up to ₹1.5 lakhs tax deduction under Section 80C — combining wealth creation + tax savings.
🪙 Real-Life Example
| Investor | Monthly SIP | Step-Up | Duration | Final Corpus |
|---|---|---|---|---|
| Rohit (Starts at 25) | ₹3,000 | 10% | 30 years | ₹6.01 Cr |
| Neha (Starts at 35) | ₹3,000 | 10% | 20 years | ₹95.5 L |
| Amit (Starts at 40) | ₹3,000 | 10% | 10 years | ₹12.38 L |
👉 Lesson: The earlier you start, the richer you end up!
⚠️ Disclaimer
- Mutual Fund investments are subject to market risks — read all scheme documents carefully.
- Past performance does not guarantee future returns.
- The opinions here are for educational purposes only, not financial advice.
- Always consult a SEBI-registered financial advisor before investing.
📚 Crux Summary (Key Takeaways)
✅ ₹3,000 SIP can grow into ₹6.01 Crores in 30 years.
✅ Divide investments — 50% NIFTY50, 25% MidCap150, 25% SmallCap250.
✅ Increase SIP by 10% yearly (Step-Up Strategy).
✅ ₹1.25 Lakhs of LTCG per year is tax-free.
✅ Compounding + Consistency = Long-Term Wealth.
✅ Start early, stay disciplined, and let time do the magic.
💬 In Short:
Saving ₹100 a day and investing it smartly can make you a multi-crorepati over time.
Time, patience, and compounding are your best friends.
👉 Share this with your friend who always says — “What can ₹3,000 do?” 😄